Updated October 17, 2026 · BrokerCue Editorial Team
Betterment vs Revolut UK
Where Betterment and Revolut UK differ
| Compare |  Betterment |  Revolut UK |
|---|---|---|
| Management fee | 0.25% | 0%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Cyprus Securities and Exchange Commission (CySEC), LT BL, SIPC |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Account types | IRA, Roth IRA | ISA, Joint |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash, Crypto |
| Minimum investment | $10 | Not confirmed |
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Key differences
- Betterment scores higher overall: 9.6 vs 9.3.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member.
- Regulators: only Revolut UK offers Cyprus Securities and Exchange Commission (CySEC), LT BL.
- Founded is lower at Betterment: 2008 vs 2015.
- Revolut UK is licensed in 2 more countries.
- Management fee is lower at Revolut UK: 0% vs 0.25%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Revolut UK offers ISA, Joint.
- Portfolio types: only Betterment offers ESG.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
Revolut UK
Revolut UK is a broker with a compact range built around ETFs, cash and crypto alongside ISA and joint accounts. It suits customers who want those holdings and account types managed together in one app and who value a clear structure before they check costs and safety.
Score breakdown
| Area | Betterment | Revolut UK |
|---|---|---|
| Cost | 9.3Management fee of 0.25% and no account fee, with a minimum investment of $10. | Not confirmed |
| Offer | 9.7Higher | 9.5 |
| Trust | 9.7Higher | 9.2 |
Side by side, item by item
| Portfolio types | Betterment | Revolut UK |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | Yes | Yes |
| Account types | Betterment | Revolut UK |
|---|---|---|
| ISA | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
| Joint | No | Yes |
What we checked
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Revolut UK
- revolut.com: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
How they place
| Ranking | Betterment | Revolut UK |
|---|---|---|
| Stock and ETF brokers | 42 of 471 | 38 of 471 |
| Robo-advisors | 10 of 151 | 7 of 151 |
Every fact side by side
| Fact | Betterment | Revolut UK |
|---|---|---|
| Legal entity | MTG LLC | Revolut Digital Assets (Europe) Ltd |
| Headquarters | United States | Cyprus |
| Founded | 2008Lower | 2015 |
| Support channels | Phone, Email, Chat, Help centre | Email, Chat, Phone, Help centre |
Brokers
| Fact | Betterment | Revolut UK |
|---|---|---|
| Minimum deposit | $10 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Not confirmed |
| Deposit and withdrawal fees | No fees | Not confirmed |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Revolut UK | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0%lowest quarter | 0.345% |
| Minimum investment | $10below the median | Not confirmed | $300 |
Median across 86 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
Revolut UK
Pros
- Offers ISA and joint accounts within its broker range
- Holds ETFs with cash and crypto in one broker setup
Who each suits
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
Revolut UK
Who it suits
- Customers seeking ETF, cash and crypto holdings
- Households needing ISA and joint account structures
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Revolut UK |
|---|---|---|
| United States | Yes | No |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
Revolut UK
What portfolio types does Revolut UK cover?+
Revolut UK covers ETFs, cash and crypto within its broker offer. Holdings sit side by side under one broker arrangement. Review whether that product mix aligns with your investment plans before you look at costs and safety.
What account types does Revolut UK offer?+
Revolut UK provides ISA and joint accounts as part of its broker service. The ISA wrapper holds investments inside that structure while the joint option allows shared access. Confirm eligibility and account rules match household needs before proceeding.
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